Uyonga njani imali kwiifizi?

iikhomishini Enye yeengxaki ezinkulu xa uqesha mali mali ziikhomishini abanini bazo ekufuneka bajongane nazo. Akumangalisi ukuba olu didi lweemveliso zemali alunakhomishini inye xa kuthengwa kuthengiswa izabelo kwimarike yemasheya. Kodwa ngokuchaseneyo, iikhomishini ezahlukeneyo kunye nendalo eyahlukeneyo inokusetyenziswa. Konke oku kuya kuxhomekeka kwingxowa-mali ekhethiweyo kwaye ngaphezu kwako konke kumphathi ophetheyo wentengiso yemveliso. Ukufikelela kwinqanaba abanokuthi banako fikelela kuma-2% kwimali oyityalileyo.

Akunjalo kuzo zonke iimali iikhomishini ezifanayo ziyahlawuliswa. Hayi kangako. Umahluko phakathi kwengxowa-mali yesizwe kunye nolunye uhlobo lwamazwe aphesheya lunokubandakanya umahluko kwiintlawulo ezingaphezulu kwe-1%. Ngesi sizathu sichanekileyo kubaluleke kakhulu ukukhetha iimodeli ezinganyanzelisiyo kule nto. Kungenxa yokuba ukongeza, kutheni uhlawula ngaphezulu kwiikhomishini zengxowa-mali xa ezinye zeempawu ezifanayo zibonisa amaxabiso asezantsi emakhaya?

Ngokusebenzisa iingcebiso ezimbalwa ezilula ukusukela ngoku ukuya phambili, uya kuba nakho ukwenza utyalo-mali kule mveliso yotyalo-mali ngendlela enengqiqo ngakumbi kunye neendleko ngokubhekisele kwintlawulo yee-commissions. Kuba kufuneka uyazi ukuba iikhomishini zisetyenzisiwe kuzo zonke iimali, kungekuphela kwingeniso esisigxina, kodwa nakwezo zisekwe kwingeniso eguquguqukayo, imali, ulawulo olululo okanye umxholo oxubeneyo. Ngale ndlela, akukho zikhululo ukuba ufuna ukutyala imali yakho kuyo nayiphi na imali yotyalo mali.

Gcina kwiingxowa-mali

imvelaphiKuya kuba kubaluleke kakhulu ukuba uyazi kuqala ukuba zininzi iintlobo zeekhomishini kolu hlobo lweemveliso zezemali kwaye ngokuqinisekileyo zininzi ngakumbi kunokuba ucinga ekuqaleni. Kukho ezinye ezinyanzelekileyo kuzo zonke iimali zotyalo-mali, ezinje ezo zabaphathi kwaye i-deposit denomination iyaphungulwa imihla ngemihla kwixabiso lesabelo sengxowa-mali. Ukuze ungaziqapheli ezi ndleko kutyalo-mali, nangona eneneni itsalwa kancinane kancinane. Kwezi, iqhinga eliphambili lokonga imali ekusebenzeni kukuya kwiimodeli ezinamaxabiso asezantsi. Ngale ndlela, kukho imali ene-0,6% yekhomishini kuphela kwaye inokuba yinzuzo ngokugqibeleleyo.

Kungenxa yokuba inye into ekufuneka ucace ukusukela ngoku kukuba kukuba uhlawula imali eninzi kwiikhomishini oko akuthethi ukuba Inzuzo kufuneka ukuba ibe ngaphezulu. Akuhambelani nomnye kunye nomnye kwinqanaba lokuba imali yotyalo-mali kunye neekhomishini eziphantsi zihlala zinenzuzo kakhulu okwangoku. Ukhetho lwakho kufuneka lujolise kwinzuzo enokunikwa yile mveliso yemali. Ayizukuba yimali eninzi oyigcinayo ngokusebenzisa esi sicwangciso, kodwa ubuncinci iya kukunceda ufumane inzuzo engakumbi kwimisebenzi nganye eyenziweyo kwiimarike zezemali.

Thintela ezona khomishini zibanzi

ukuthenga Kwimali yotyalo-mali, iikhomishini azilungiswanga, kodwa ngokuchaseneyo, ziyahluka. Oku kuyenziwa kuthetha ukuba abanakuze bakwazi ukudlula ezimbalwa Imida yolamlo ziinkampani zolawulo ezenza le mveliso ukuba ityalwe. Nangona kunjalo, banenkululeko epheleleyo yokufaka isicelo kunye nokuyibala, kunye neekomishini ezininzi njengoko zibona kufanelekile. Umgaqo wobhontsi wokugcina inkcitho kolu hlobo lotyalo-mali kukuphepha amaxabiso abanzi kakhulu. Kwiimeko ezininzi zibaluleke kakhulu kwi-ballast ukuze ukwazi ukwenza ukugcinwa kwemali kunenzuzo ngokufanelekileyo kuba badla inxalenye enkulu kakhulu.

Oku kuchaphazela ngokusisiseko okubizwa ngokuba ziikomishini ezizezinye: kwaye ziyintoni kanye kanye ezi? Ewe, sibhekisa kwiikhomishini ze ukubhalisa, ukubuyiselwa imali okanye ukuhanjiswa. Unoncedo olukhulu lokuba abafani kangako kutyalo mali, kodwa nangona kunjalo banokumela ngaphezulu kwe-1,50% yenkunzi yokusebenza. Ngokukodwa xa bekuhlawulisa ngaphezulu kwekhomishini enye yezi mpawu. Ayothusi into yokuba inokuba yintshukumo enokwenzeka kwinxalenye yakho ukuba uza kutyala imali eninzi kule mveliso yezemali. Kodwa ngokuqinisekileyo hayi ngezixa eziphantsi kakhulu apho unokuthintela khona ukhuphiswano lwengxowa mali.

Zithotyiwe kwisaphulelo

Ngayiphi na imeko, ezinye iimali zotyalo mali ziyaziphungula ezi komishini. Kwimali eyinirhumo okanye kwimali efumanekileyo, Ngokuxhomekeke kwimodeli oyikhethayo ngamaxesha onke. Ngale ndlela, kubaluleke kakhulu ukuba ukhethe imali yotyalo-mali engenayo ngaphezu kwee-commissions zokuqesha kwabo. Kuba eyona nto ibaluleke kakhulu kukuba inenzuzo kule minyaka imbalwa izayo kwaye ayizukuxhomekeka ekubeni uhlawule iikomishini eziphezulu kakhulu. Le nto ilawulwa zezinye izinto ezinzima ngakumbi kunye nokusebenza kweemarike zezemali. Yinto elula leyo kwaye kuya kufuneka uyithathele ingqalelo ukusukela ngoku ukugcina imali ngaphezulu kunokuba ubucinga ekuqaleni.

Kwelinye icala, kunenzuzo ngakumbi kuwe ukuhlawula iikhomishini eziphezulu kwiimali zotyalo-mali ukuba imisebenzi yakho iza kuya kuyo ixesha eliphakathi nelide. Ngokukodwa, ngenxa yokuba uya kuthi ngokuthe ngcembe uhlengahlengise ezi ndleko. Ngokuchasene nokusebenza kwexeshana elifutshane apho usetyenziso lwayo luya kubonakala ngakumbi. Ngokuchasene noko, utyalo-mali oluphakathi kwaye ingakumbi lwexesha elide zezona zifanelekileyo ukwenza ingxowa yokonga ngexesha lomhlala-phantsi wakho. Oku kuthetha ukuba unakho ukuthwala iindleko zeekhomishini.

Amaqhinga okugcina inkcitho

Ewe kunjalo, enye yeenjongo zakho eziphambili kufuneka ijolise ekongeni imali kwiingxowa mali. Kwaye yeyiphi indlela ebhetele kunokuhlawula imali encinci kwiikomishini ezisetyenziswe kwezi fomathi zokonga. Akukho mathandabuzo ukuba ukukhetha imali yotyalo-mali kuzwelonke kuya kufikeleleka ngakumbi kunakwamanye amazwe. Yintoni egqithisile, zinokufana okanye zingeniso ngakumbi nangaphandle kweendleko. Unokukhetha le modeli kugcino lweendleko zeekhomishini. Ayizukubandakanya naziphi na iinzame kwaye uya kufumana imali enomdla kakhulu yokwenza ukuba imali yakho ibenenzuzo.

Enye indlela yokufikelela kweli nqanaba isekwe ekukhetheni iimali ezenziwe ngumphathi webhanki apho ungene khona kwisivumelwano sengxowa mali yakho. Uninzi lweebhanki lunale nkonzo: I-Bankinter, iSantander, i-BBVA, iSabadell, njl. Ngokubonakaliswa okubanzi kwezi mveliso zezezimali kunye nazo zonke iindlela zazo, ukusuka kwingxowa mali yengeniso esisigxina ukuya kuguquko, ngokusebenzisa enye indlela okanye nangolawulo lwemali. Esi siphakamiso sicinga ukuba ubhalise imali yotyalo-mali kunye neekhomishini ezisezantsi kwintengiso. Kwaye umahluko omncinci kakhulu ngokubhekisele kwinzuzo onokuyinikwa zezinye iimodeli zolawulo zezinye iinkampani zolawulo.

Kuphephe ukutshintshiselana ngemali

lwemaliEsinye isitshixo sokonga imali kule mi sebenzi kukuba uluphephe utshintsho lwemali xa uqesha imali yakho yotyalo-mali. Ewe kunjalo, ngaphandle kokuba kunyanzelekile ukuba uphumelele kwimisebenzi yakho kwiimarike zezemali. Ngale ndlela, awunakulibala ukuba uya kuba nayo ezinye iindleko ezongezelelweyo ukusuka kutshintsho lwemali. Kwelinye icala, ngokwesiko olu didi lotyalo mali luxhaphake ngakumbi ekusebenziseni iikhomishini zabo. Ukuya kwinqanaba lokuba ube nenkcitho engeyomfuneko kwaye unokuthintela ngokutshintsha nje isicwangciso sakho.

Ukongeza, ukutyala imali kwezi mali kufuneka ube nazo ukuqhubeka nokufunda ekusebenzeni kwabo kwaye benomngcipheko ophezulu kuzo. Ngale ndlela, ungaphulukana nemali eninzi xa wenze impazamo enkulu okanye ungakhethi ingxowa mali efanelekileyo ngexesha ngalinye. Nangona kunjalo, yinto eqhelekileyo yokusebenza phakathi kwabatyali zimali abancinci nabaphakathi kwaye ke ukuba kunokwenzeka ukuba ulunqande olu hlobo lokuhamba ngemali yakho. Phakathi kwezinye izizathu kuba ungahlawula kakuhle kakhulu ukusukela ngoku.

Ukwahlula utyalo-mali

Kwelinye icala, omnye umthombo wolondolozo kwiikhomishini kukusebenzisa ipotifoliyo yotyalo-mali eyahlukeneyo. Ukuze ngale ndlela, banako ukuziqhelanisa nazo zonke iimeko ezinokubonakala kwiimarike zezemali, nkqu nezona ezimbi kuzo zonke. Umdibaniso olungileyo wolingano kunye nengxowa-mali yengeniso esisigxina inokuba sisisombululo kwiingxaki zakho, kunye neekhomishini ezilungelelaniswe ngokugqibeleleyo kulindelo onalo lokwenza imali yakho ibe nenzuzo.

Nangona kuya kufuneka uhlawule imali encinci yeekhomishini eziziswe ngabaphathi. Ingcebiso esebenzayo kukuba uye kwabo bakuluhlu olusezantsi lwendleko. Unokuzithelekisa nokufika kwiingxowa-mali ezihambelana ngokufanelekileyo namathuba akho emali. Ayothusi into yokuba unethuba lokuba kukho isibonelelo esikhulu kule klasi yeemveliso zemali.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
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